 As I've said many times, I don't want to hear any whining if you didn't take part in the process. You lose the ability to do that, and you're right to do that. If you don't take part in the process, what the heck do you expect will happen? Generally, bad stuff happens. Well, I can tell you one thing that's going to happen. They're going to definitely take more of your money. That's definitely going to happen.